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    • @BazzaS No..  Just that I like to make new ideas work, but have yet to get good at making money out of them! The ideas have worked, and I am now on my sixth startup. I didn't consider contract law in the past though. I have learned my lesson!
    • thanks EB, for clear and concise advise. should i send it by recorded delivery to ensure receipt. i have been hovering about a little, pondering over the situation
    • What is that? Does it have a DSM-5 (or ICD-11) coding?
    • I have tried to track down a site manger but it appears the site has been sold again - London and Cambridge properties.  I have spoken to a local councillor Tony Robertson, he advised that the council are responsible for the CCTV cameras, and to contact the council switchboard. I have rang the switchboard and  spoke to a general operator who advised me to write in requesting the information. I will advise when I receive a reply. Of the three people that drive the car, there are two main drivers no-one has seen a ticket put on the car at any time.
    • @Pierre GA - The jargon behind DD 'guarantees' is, to my mind, mostly marketing. Direct Debits only serve to profit banks. The consumer does not benefit at all. It is far better to pay, via instant transfer from modern digital banks, than by an outdated Direct Debit scheme. Just think for a second.. Does one really want to hand over one's (in my case 'dubious') financial wealth to a third party computer? I would far rather transact and settle my bills myself; I think I should proffer the term 'Financial Zen.'  
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
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Hello,

 

I was hoping for an outside opinion of the situation I have got myself into-

 

I've been a customer of Bright house since Early 2015 and have had multiple agreements since then.

I currently have 7 agreements, all but two with over 50% paid off, a few only have a couple of weeks to a couple if months left.

 

My weekly payments are £80 per week right now. Some of my items are essential items some non - essential.

 

I have found myself in a bit of financial difficulty of late, behind with rent, c-tax, electric... all of which I have been able to come to an affordable payment arrangement.

 

My problem is with Bright house,

I am at the moment 3 weeks in arrears as in order to make arrangements with all of my above debts I had to offer extra to them for the past few weeks, putting Bright house at the bottom of the list,

 

I've asked for a couple of months reduced payments, they said no, and asked if I can just pay a small amount on top on the weekly amount I am paying to which they also said no, in all honestly I cannot afford the £80pw anyway so reduced payment is what I was hoping for.

 

I am not willing to hand the goods back as I have paid so much for them, I know that is not how Bright house works but I've literally paid for these goods three times over, My fault I know, I went in with my eyes open. I still want to pay just at a reduced rate for a period of time, Do you think there is a way I can make this possible, they wont take part payment from me in store and are refusing to give me details to make BACS payments....

 

It all stared with just the one item, and I said to myself after this is paid I wont get any more, but it seemed so easy at the time each time I have made a new agreement with Brighthouse it has been after going into to store to make an enquiry or make a payment and at that point new products have been upsold to me.

 

Each time I have made the staff aware of changes to my income and expenditure but have always been told ‘it’s best to leave it the way it is so we can add-on’.

I have not been asked to provide proof on income since my sign up in 2015.

 

It says on their website "The likelihood of adding further items on to your account are improved by ensuring your account is kept up-to-date.

For each further application we will assess your income and expenditure and perform a credit check to determine your level of affordability."

 

But that cannot be true as my credit file has 10 defaults and 2 CCJ's registered against me, my credit is truly appalling and any potential creditor should have some kind of obligation to lending responsibly.

 

When I went in store and advised them of my financial hardship they told me I should take out a payday loan to pay off the arrears - surely this isn't right?!

 

I am not looking for a way to not pay this, I intend to honour my obligations, I just need a little break that's all.

 

I have had their advisers knocking on my door everyday for the past week, luckily they don't have my phone number anymore as I changed it a few months ago.

 

Does any one have any advice about how I should handle this moving forward.

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Oooo this makes me angry...

 

When I went in store and advised them of my financial hardship they told me I should take out a payday loanicon to pay off the arrears - surely this isn't right?!

 

I will have more advice later for you... Please hold tight - I am at work and will draft something later

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Thank you :pray2:

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sound like gross irresponsible lending to me.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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Im ever so sorry that i didnt come back to you last night.

Long day at work :)

 

Anyway lets have a look for you. BH allowing you to pay £80 a week is extremely excessive.

If this is across 7 plans - Are you able to get a full breakdown of the items and the weekly costs + Insurances?

Id be interested to know when these items were taken and what they fall under for insurance and if it is optional.

 

The team asking you to take a PDL to get back up to date. Do you have proof of that? The FCA CONC Sourcebook explicitly states they are not allowed to suggest you taking more credit to pay off other arrears or force you to borrow from others.

Basically in a nutshell there is Sweet FA they can do - Court order is required for most of the items - Never heard of BH going for a court order.

 

Time to also have a look at https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=71215

Same rules apply here. The lender must show they have complied with Responsible Lending. Excessive agreements on high APRs (69 - 99%!!) is not responsible. IMHO If BH brought their APRs / Prices down then i could see them being a very good option for many - However its cases like this that prove otherwise.

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Thank you for getting back to me, I really do appreciate it.

 

I do still have all of my agreement paperwork so I can look into that, from memory 4 of the items were with the 5 star service, the rest I was given the option of taking bright care, which I didn't. I also don't have their product insurance as I have my own contents insurance... well I did but that has been cancelled due to missing some payments.

 

I don't have any proof about the payday loan comment as it was said verbally in-store and didn't think about recording anything at that point, i have been in a payday loan trap before in the past but they won't touch me now.

 

I've so far had 6 visits from them since the 11/04 from a man in a little transit, I haven't answered the door, reading all the horror stories about the way Brighthouse's door-steppers conduct them selves scares me

 

, I am on my own with my little girl, suffer with quite severe PTSD and find it difficult to communicate with men after a seriously abusive relationship - hence why we live over 500 miles away from all family and friends - I have verbalised all of this to customer relations and asked them to communicate in writing only but they have just ignored me on that.

 

Christmas time over the last few years are when the majority of my agreements have been taken out, when I've been stood in the pound shop with my head in my hands wondering how I can give my daughter whats on her list and then seeing brighthouse over the road. I've just managed to get myself in to a bit of a mess and hold my hands up to my own irresponsible conduct with my finances.

 

I am going to have a read of that link you have included. Thank you again.

Edited by dx100uk
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You dont have to answer them at all :)

They are nothing more than a Doorstopper - They have very little rights to be there giving you hassle.

TBH the CR team at BH are useless as they normally just hand it off to store to deal with and the vicious cycle just continues.

 

If you have PDLs too - we need to know and can help.

 

I also understand about moving away - I did that myself although unlike yourself - Im an hour away from my family :)

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I had a PDL with the money shop in Dec 2016 for £100, paid that back and then got another for £350 in Sept 2016, paid that back and then another in Dec 2016 for £300 and then another in Feb 2017 for £300 - I think they were paid over 2 months. The last one I just couldn't pay back and have been making small token payments on, they have not defaulted me yet.

 

The other is a £250 loan from MyJar which I got in the same cycle with but this is from 2012 and I have defaulted on that one and have not made any payments on it for a long time :!:

 

I owe Vanquis £600 and Cap one £400 and have various other catalogue debts.

 

My total Debt pre Brighthouse was around £4000 it's now around £11000.

 

It's a very interesting read, I have been trying to glance at bits of it while I'm at work, will give it a proper go over when I get home.

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